The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 434 3,357 SH   SOLE   0 0 3,357
ABBOTT LABS COM 002824100 256 2,352 SH   SOLE   0 0 2,352
ADOBE SYSTEMS INCORPORATED COM 00724F101 233 637 SH   SOLE   0 0 637
AFLAC INC COM 001055102 223 4,023 SH   SOLE   0 0 4,023
ALPHABET INC CAP STK CL A 02079K305 401 184 SH   SOLE   0 0 184
ALPHABET INC CAP STK CL C 02079K107 833 381 SH   SOLE   0 0 381
ALTRIA GROUP INC COM 02209S103 461 11,033 SH   SOLE   0 0 11,033
AMAZON COM INC COM 023135106 597 5,621 SH   SOLE   0 0 5,621
AMEREN CORP COM 023608102 239 2,646 SH   SOLE   0 0 2,646
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 201 3,731 SH   SOLE   0 0 3,731
APPLE INC COM 037833100 1,624 11,876 SH   SOLE   0 0 11,876
ARCHER DANIELS MIDLAND CO COM 039483102 449 5,791 SH   SOLE   0 0 5,791
AT&T INC COM 00206R102 511 24,391 SH   SOLE   0 0 24,391
BLACKROCK INC COM 09247X101 330 541 SH   SOLE   0 0 541
BP PLC SPONSORED ADR 055622104 364 12,823 SH   SOLE   0 0 12,823
CHEVRON CORP NEW COM 166764100 711 4,911 SH   SOLE   0 0 4,911
CLOROX CO DEL COM 189054109 916 6,498 SH   SOLE   0 0 6,498
COCA COLA CO COM 191216100 1,078 17,137 SH   SOLE   0 0 17,137
COLGATE PALMOLIVE CO COM 194162103 755 9,422 SH   SOLE   0 0 9,422
CONSOLIDATED EDISON INC COM 209115104 591 6,211 SH   SOLE   0 0 6,211
CVS HEALTH CORP COM 126650100 354 3,818 SH   SOLE   0 0 3,818
DEERE & CO COM 244199105 789 2,636 SH   SOLE   0 0 2,636
DOMINION ENERGY INC COM 25746U109 349 4,367 SH   SOLE   0 0 4,367
DUKE ENERGY CORP NEW COM NEW 26441C204 668 6,234 SH   SOLE   0 0 6,234
ENBRIDGE INC COM 29250N105 285 6,753 SH   SOLE   0 0 6,753
ENTERPRISE PRODS PARTNERS L COM 293792107 486 19,936 SH   SOLE   0 0 19,936
EXXON MOBIL CORP COM 30231G102 764 8,920 SH   SOLE   0 0 8,920
GENERAL MLS INC COM 370334104 1,117 14,798 SH   SOLE   0 0 14,798
GSK PLC SPONSORED ADR 37733W105 382 8,769 SH   SOLE   0 0 8,769
HANESBRANDS INC COM 410345102 214 20,809 SH   SOLE   0 0 20,809
HOME DEPOT INC COM 437076102 289 1,053 SH   SOLE   0 0 1,053
INTEL CORP COM 458140100 653 17,448 SH   SOLE   0 0 17,448
INTERNATIONAL BUSINESS MACHS COM 459200101 203 1,440 SH   SOLE   0 0 1,440
INVESCO QQQ TR UNIT SER 1 46090E103 685 2,444 SH   SOLE   0 0 2,444
ISHARES TR 0-5YR HI YL CP 46434V407 5,863 144,591 SH   SOLE   0 0 144,591
ISHARES TR CORE DIV GRWTH 46434V621 6,082 127,656 SH   SOLE   0 0 127,656
ISHARES TR ISHS 1-5YR INVS 464288646 7,288 144,164 SH   SOLE   0 0 144,164
ISHARES TR PFD AND INCM SEC 464288687 780 23,717 SH   SOLE   0 0 23,717
JOHNSON & JOHNSON COM 478160104 1,713 9,648 SH   SOLE   0 0 9,648
JPMORGAN CHASE & CO COM 46625H100 614 5,450 SH   SOLE   0 0 5,450
KELLOGG CO COM 487836108 489 6,856 SH   SOLE   0 0 6,856
KIMBERLY-CLARK CORP COM 494368103 669 4,950 SH   SOLE   0 0 4,950
LILLY ELI & CO COM 532457108 1,250 3,855 SH   SOLE   0 0 3,855
LOCKHEED MARTIN CORP COM 539830109 2,007 4,669 SH   SOLE   0 0 4,669
LOWES COS INC COM 548661107 247 1,414 SH   SOLE   0 0 1,414
MCDONALDS CORP COM 580135101 1,647 6,671 SH   SOLE   0 0 6,671
MERCK & CO INC COM 58933Y105 274 3,002 SH   SOLE   0 0 3,002
MICROSOFT CORP COM 594918104 3,838 14,944 SH   SOLE   0 0 14,944
PAYCHEX INC COM 704326107 898 7,885 SH   SOLE   0 0 7,885
PEPSICO INC COM 713448108 1,211 7,268 SH   SOLE   0 0 7,268
PFIZER INC COM 717081103 668 12,732 SH   SOLE   0 0 12,732
PGIM ETF TR ACTV HY BD ETF 69344A206 473 13,899 SH   SOLE   0 0 13,899
PHILIP MORRIS INTL INC COM 718172109 431 4,366 SH   SOLE   0 0 4,366
PIMCO ETF TR INTER MUN BD ACT 72201R866 654 12,699 SH   SOLE   0 0 12,699
PROCTER AND GAMBLE CO COM 742718109 1,974 13,727 SH   SOLE   0 0 13,727
REALTY INCOME CORP COM 756109104 560 8,208 SH   SOLE   0 0 8,208
SALESFORCE INC COM 79466L302 257 1,555 SH   SOLE   0 0 1,555
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,526 64,797 SH   SOLE   0 0 64,797
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 580 12,110 SH   SOLE   0 0 12,110
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,470 142,143 SH   SOLE   0 0 142,143
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 8,146 113,723 SH   SOLE   0 0 113,723
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 16,375 366,659 SH   SOLE   0 0 366,659
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 247 9,720 SH   SOLE   0 0 9,720
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,467 39,325 SH   SOLE   0 0 39,325
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,713 46,778 SH   SOLE   0 0 46,778
SOUTHERN CO COM 842587107 1,077 15,097 SH   SOLE   0 0 15,097
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 381 1,238 SH   SOLE   0 0 1,238
SPDR S&P 500 ETF TR TR UNIT 78462F103 644 1,707 SH   SOLE   0 0 1,707
SPDR SER TR BLOOMBERG INVT 78468R200 5,503 182,774 SH   SOLE   0 0 182,774
SPDR SER TR ICE PFD SEC ETF 78464A292 1,581 44,104 SH   SOLE   0 0 44,104
SPDR SER TR NUVEEN BLOOMBERG 78464A284 223 4,349 SH   SOLE   0 0 4,349
STARBUCKS CORP COM 855244109 544 7,125 SH   SOLE   0 0 7,125
SYSCO CORP COM 871829107 857 10,119 SH   SOLE   0 0 10,119
TARGET CORP COM 87612E106 1,234 8,736 SH   SOLE   0 0 8,736
TORONTO DOMINION BK ONT COM NEW 891160509 280 4,267 SH   SOLE   0 0 4,267
UNILEVER PLC SPON ADR NEW 904767704 517 11,281 SH   SOLE   0 0 11,281
UNITED PARCEL SERVICE INC CL B 911312106 599 3,282 SH   SOLE   0 0 3,282
US BANCORP DEL COM NEW 902973304 598 12,993 SH   SOLE   0 0 12,993
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,113 14,493 SH   SOLE   0 0 14,493
VANGUARD BD INDEX FDS INTERMED TERM 921937819 909 11,709 SH   SOLE   0 0 11,709
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,860 35,737 SH   SOLE   0 0 35,737
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,790 62,816 SH   SOLE   0 0 62,816
VERIZON COMMUNICATIONS INC COM 92343V104 547 10,783 SH   SOLE   0 0 10,783
VISA INC COM CL A 92826C839 207 1,054 SH   SOLE   0 0 1,054
WALGREENS BOOTS ALLIANCE INC COM 931427108 330 8,698 SH   SOLE   0 0 8,698
WALMART INC COM 931142103 1,526 12,551 SH   SOLE   0 0 12,551
WASTE MGMT INC DEL COM 94106L109 1,398 9,139 SH   SOLE   0 0 9,139
WELLS FARGO CO NEW COM 949746101 225 5,755 SH   SOLE   0 0 5,755
WISDOMTREE TR US MIDCAP DIVID 97717W505 1,571 40,312 SH   SOLE   0 0 40,312
WISDOMTREE TR US SMALLCAP DIVD 97717W604 1,162 41,165 SH   SOLE   0 0 41,165
WISDOMTREE TR INTL LRGCAP DV 97717W794 2,992 71,506 SH   SOLE   0 0 71,506
WISDOMTREE TR US LARGECAP DIVD 97717W307 488 8,262 SH   SOLE   0 0 8,262